Payments & Payment Orchestration Gift Cards, Vouchers & Stored Value

TWINT

TWINT is Switzerland's dominant domestic mobile payment app and digital wallet, operated by TWINT Ltd. of Zurich and owned jointly by the country's largest banks plus SIX and Worldline. The app was built from 2014 by Monexio, a PostFinance subsidiary; today's TWINT AG was formed by the September 2016 merger with Paymit (Zürcher Kantonalbank / SIX), and national ubiquity followed from 2017. It covers QR-code payments in store, e-commerce and express checkout, payment links, POS/terminal integration, recurring payments, P2P transfers, Pay Later (30-day invoice), and cash withdrawal — retailers typically pay around 1.3% per transaction according to Wikipedia. Beyond payments it runs a merchant loyalty and stored-value layer: hosted digital loyalty cards (Code 128/EAN/QR), digital stamp cards, coupons, "Super Deals", third-party digital vouchers and credit (paysafecard, Google Play, Netflix), and an in-app experience-voucher marketplace powered by e-surprise/e-guma selling hotel, wellness and alpine experience vouchers.

Visit TWINT ↗

Listed properties: 1
Rooms covered: 406
Countries: 1
Founded: 2014

What TWINT does

One section per category this provider serves. Each links to the category it competes in and lists the properties running it in that specific role.

Core Operations & Property Management

Payments & Payment Orchestration

Card acquiring, wallets, terminals and the routing between them. The rail a stored balance must eventually settle against.

Running it here: Manz Privacy Hotels Switzerland

Marketing, CRM & Direct Booking

Gift Cards, Vouchers & Stored Value

Prepaid balances a guest holds against the hotel. Structurally the same liability as a loyalty currency, usually sold as a marketing product — which is why these vendors are competitors, not plumbing.

No listed property records TWINT in this role yet.

Who it is for

Segment: Resort & wellness
Department: Front officeSales & marketingFinance & accounting
Persona: General managerMarketing managerIT manager
Use case: Upsell & grow ancillary revenueGrow repeat staysAutomate operationsEnsure compliance

Hotels running TWINT

Hotel	Location	Role there	Rooms
Manz Privacy Hotels Switzerland	Zurich, Switzerland	Payments	406

At a glance

Category: Payments & Payment Orchestration
Headquarters: Zurich, Switzerland (TWINT Ltd., Stauffacherstrasse 41, CH-8004 Zurich; second site Konsumstrasse 20, Berne)
Founded: 2014

Alternatives

Vendors serving the same categories as TWINT.

Zimres
Booking, guest-communication and payment tool for hotels, deployed on a per-hotel subdomain (e.g. <hotel>-booking.zimres.com) and built on Laravel Livewire. Positioned as a complement to the hotel's existing PMS rather than a replacement: online booking and enquiry from the website with staff-adjustable prices, discounts and conditions, distribution to booking platforms, guest communication and payment. Its product also includes a VOUCHER TOOL that lets guests buy and personalise vouchers on the hotel website with online payment, and transfers the voucher automatically into ASA Hotel for redemption.
Adyen
Adyen is a Dutch financial technology platform that provides end-to-end payment acceptance for large enterprises on a single stack — online, in-app and in-person — combining gateway, risk management, acquiring and settlement, which it can do directly because it holds its own banking licence. Beyond acceptance it sells Adyen Issuing (virtual and physical card issuance), Adyen for Platforms (embedded payments for marketplaces), payouts and business accounts, and a Stored Value API for issuing, activating, loading, balance-checking and merging gift cards. In hospitality it markets a "unified commerce" proposition covering the whole guest journey — booking, check-in, F&B, spa, checkout — with card tokenization for cross-property guest recognition, pre-authorizations with automatic top-ups for incidentals, post-checkout collection of no-shows and late charges, and dynamic currency conversion. It integrates with the major hotel systems (Oracle Hospitality/OPERA, Shiji, Infor HMS, Agilysys, Sabre, Protel, Apaleo, Clock PMS, StayNTouch, TravelClick) and pioneered "proxy tokenization," intercepting the CRS-to-PMS booking message so raw card data never touches the property server.
e-guma
Swiss cloud voucher and ticketing platform (operated by Idea Creation GmbH, Zurich). Since 2005 it lets hotels, tourism and leisure businesses sell, manage and market gift vouchers; ~1,200 businesses use it. In 2022 it launched e-surprise.ch, a B2C experience-voucher marketplace integrated with TWINT.
Gastropool Italien GmbH
The purchasing group for hotels and gastronomy in South Tyrol (Schlachthofstr. 53B, 39100 Bozen), serving ~800 partner businesses with negotiated supplier terms, consolidated monthly invoicing, advisory and a digital platform for purchases, invoices and payments. It also runs member-facing web widgets at secure.gastropool.it/rxwidgets — used by member hotels to collect booking deposits and sell travel-cancellation insurance online.
HOGAST
Purchasing co-operative for hotels and restaurants, and South Tyrol's leading hospitality purchasing organisation. Members buy through framework agreements negotiated by the co-op; alongside procurement it supplies member services including an online payment widget (secure.hogast.it) that hotels embed in their own websites to take deposits and settle bills.
Shopify
Global e-commerce platform: hosted storefronts, checkout, payments, customer accounts and order history, plus Shopify POS for physical retail. Not a hospitality product — but increasingly the way hotels with a product line sell it. (The company registry taxonomy has no e-commerce category; filed under POS and payments as the nearest fit.)

Running several of these systems at once?

Blue connects an existing hotel stack into one guest profile and one loyalty balance across every property — without replacing the PMS.

Visit Blue